Abstract

Indah Sulistyaningsih 8105112258. The influence of Profit Sharing and NonPerforming
Financing
to
Total
Financing
Musharaka
in
Indonesia
(Case
Study:
Bank
Syariah
Mandiri),
Jakarta:
Concentration
Education
Cooperative
Economics,
Economics
of
Education
Studies
Program,
Department
of
Economics
and
Administration,
Faculty
of
Economics,
State
University
of
Jakarta,
2015.
The
dominance
of
consumer
financing
with
sale
and
purchase
agreement
on the
primacy
of
Islamic
banks
make
profit-sharing
system
faded
so
do not
be
surprised
if
the
public
perception
regarding
Islamic
banks
are
not
different
from
conventional
banks.
Therefore,
the
lack
of
agreement
for
results
is
a
problem
faced
by
Islamic
banks.
As
a bank
for
the
results
has
become
a
liability
for
Islamic
banks
to
boost
financing
to
the
principle
of
profit-sharing
as
the
main
products,
including Musharaka financing.
This study aims to determine the effect of profit-sharing and non-performing
financing to total financing musyarakah in Indonesia by conducting a case study
on Bank Syariah Mandiri. Bank Syariah Mandiri been the object of research due
to present a complete financial statement data that can be used in research.
Based on the results it can be concluded that the F test for the results and NPF
variables simultaneously affect the number of Musharaka financing at Bank
Syariah Mandiri in Indonesia.Berdasarkan t test results can be concluded that in
partial to result in a positive impact significantly on the amount of Musharaka
financing while the negative effect NPF significantly to the number of musharaka
financing at Bank Syariah Mandiri in Indonesia.
The coefficient of determination in this study amounted to 0.847, which means
84.7% of Musharaka financing amount can be explained by the results and the
NPF.